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Cash Advance in Huntsville

Huntsville is a remarkable city in Alabama known for its aerospace and technology industry. With over 220,000 residents, Huntsville citizens enjoy different careers.

However, high expenses for essentials and bills may cause these citizens to need financial support. Since Alabama legalized cash advances or payday loans, it has helped many receive immediate cash.

This guide delves into Huntsville's cash advance rules, limits, and regulations that must be considered before starting the loan process.

Services available

A cash advance loan gives you the money you need upfront in a short time and for every purpose

Payday loans

A payday loan is a type of short-term borrowing where a lender will extend high-interest credit based on your income. Its principal is typically a portion of your next paycheck.

Fast Cash Loans

With a cash advance loan, you can get the money in just a few hours. No more waiting for days or weeks for a loan approval!

Short-term loans

A short term loan is a type of loan that is obtained to support a temporary personal or business capital need.

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Customer Reviews

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Cash Advance Loans Explained

Online cash advance loans, also called payday loans, are personal loans for those needing immediate cash for smaller expenses.

Unlike long-term loans like mortgages or installment loans, cash advances have shorter terms. The term “payday loan” comes from how the deadline is often on the borrower’s next payday.

When a borrower makes repayments for the loan, they’ll need to account for interest rates and fees. Lenders combine these payments into an annual percentage rate, or APR. The APR differs for various locations, often exceeding 100%.

Huntsville, AL, lenders are prohibited from charging more than the 456% APR limit.

Besides the APR, review these regulations before getting a cash advance loan in Huntsville:

  • Minimum Loan Term: 10 days
  • Maximum Loan Term: 31 days
  • Minimum Loan Amount: $100
  • Maximum Loan Amount: $500
  • Rollovers: 1
  • Finance Charges: 17.5% for every $100 in the loan’s lump sum amount
  • Cooling-off Period: Next business day after the loan is paid
  • APR: 456%

Some lenders may charge rollover or non-sufficient fund fees. Check that you receive a document detailing all the charges incurred on the loan before proceeding.

What You Need for a Cash Advance Loan in Huntsville

To begin the loan inquiry process, check that you meet these minimum requirements and submit the following documents:

  • Huntsville citizen
  • At least 18 years old and above
  • Proof of income like pay stubs or bank statements
  • Active bank account details
  • Contact details

Tips on Choosing the Right Loan Type

Before settling on a cash advance, assess your needs and see whether these other loan types may be a better fit:

  • Installment Loans: Installment loans are long-term loans that must be repaid in set portions over a term, usually lasting a few months to a year.
  • Mortgages: Mortgages use a home as collateral to approve a loan and provide financial support to homeowners.
  • Title Loans: Title loans use vehicles or homes as collateral, but lenders may repossess these possessions if the borrower cannot pay the loan.

Here are important tips to remember when choosing a loan type:

  • Understand why the loan is needed.
  • Check other financial options that do not require borrowing.
  • Review whether your finances can match the loan’s repayment date.
  • Prepare a budgeting plan to manage the loan.

Huntsville Cash Advance Loans With Third-Party Lenders

Searching for trustworthy lenders in Huntsville is time-consuming when you need quick cash.

Fortunately, we can help connect you with third-party lenders that provide cash advances completely online.

These are the beneficial features our third-party lenders provide through their services:

  • Review your cash advance loan options quickly
  • Data privacy and security
  • Poor credit history support

To start the inquiry process, fill out our online inquiry form, and after pre-approval, you’ll be contacted by a lender.

Getting Bad Credit Cash Advance Loans in Huntsville

Huntsville permits bad credit cash advance loans since lenders can approve a cash advance with no credit check.

However, be aware that poor credit may lead to lower loan amounts or higher APRs, potentially affecting your ability to repay the loan.

Huntsville Cash Advance Loan Laws

The Deferred Presentment Services Act is a statewide regulation across Alabama cities focusing on small loans.

One of their main goals is to ensure that no lender takes advantage of a borrower.

AL Code § 5-18A-20 states: “Any person who willfully makes charges in excess of those permitted by Section 5-18A-12… is guilty of a Class B misdemeanor for the first offense and a Class B felony for the second or subsequent offense.”


Cash advances in Huntsville, AL, are a great financial help for many needing extra support.

Check that you can handle the loan amount before getting a loan. After filling out our inquiry form online, a lender will contact you.

After accepting an offer, check in with your lender for any questions or clarifications.


This portion discusses common cash advance loan inquiries.

What Are Some Legit Online Payday Loans?

Legit online payday loans have these features:
Follows state limitations on APRs and other fees
Accurate loan deadlines
Full transparency on charges
Support for bad credit

How Many Payday Loans Can You Have at Once?

Only one loan at a time is allowed in Huntsville, AL.

How Do Payday Loans Differ From Other Types of Loans?

Payday loans are only meant for short-term use with high interest rates. Other loans are often long-term and may require collateral.


202 Williams Ave SW Ste 23, Huntsville, AL, 35801

Open hours

Mon – Fri:

9am – 7pm


10am – 4pm



Phone Number

(256) 782-9087

Get the funds you need

When you need money urgently, you can visit one of our Florida location offices near your home. Primo Personal Loans in Florida are here to serve you!

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2002 Park Pl Ste 100, Birmingham, AL 35203

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2122 Highland Ave Unit 101, Birmingham, AL 35205

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722 Campbell Ln Unit 2, Bowling Green, KY 42104
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